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2016 Nissan Altima Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 20, 2019

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Average insurance rates for a 2016 Nissan Altima are $1,372 a year for full coverage insurance. Comprehensive insurance costs approximately $260 each year, collision costs $512, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,986 or more. Teenage drivers receive the highest rates at $5,230 a year or more.

Annual premium for full coverage: $1,372

Rate estimates for 2016 Nissan Altima Insurance

Comprehensive $260
Collision $512
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 Nissan Altima models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $496 for a discount liability-only rate to a high rate of $2,986 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $1,372
High Risk $2,986

View Chart as Image

2016 Nissan Altima insurance rates compared
Column chart showing 2016 Nissan Altima insurance prices range from $787 to $5,230 for full coverage

These differences illustrate why all drivers should compare rates using their specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2016 Nissan Altima Insurance

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Locating cheaper insurance for your Nissan Altima can normally be difficult, but you can learn the following methods to save time. There are both good and bad ways to compare car insurance rates so you’re going to learn the absolute fastest way to quote coverages on a Nissan and find the lowest price either online or from local insurance agents.

Take advantage of these money-saving discounts

Not too many consumers would say auto insurance is affordable, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked for in order for you to get them.

  • Multiple Vehicles – Insuring multiple cars or trucks on a single policy can get a discount for every vehicle.
  • Sign Early and Save – Select insurance companies give a discount for switching to them early. This can save 10% or more.
  • Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Federal Employees – Active or retired federal employment may qualify for a discount when you quote car insurance on Altima insurance with select insurance companies.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
  • Service Members Pay Less – Having an actively deployed family member may lower your premium rates slightly.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Buy New and Save – Insuring a new car can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Student in College – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts should help lower your overall bill.

A few of the larger companies and a partial list of their discounts are included below.

  • State Farm may offer discounts for defensive driving training, anti-theft, student away at school, driver’s education, good student, and multiple autos.
  • Nationwide offers discounts for business or organization, family plan, accident-free, easy pay, and defensive driving.
  • GEICO offers premium reductions for emergency military deployment, anti-theft, five-year accident-free, seat belt use, air bags, good student, and driver training.
  • AAA includes discounts for good student, multi-policy, anti-theft, multi-car, good driver, and AAA membership discount.
  • 21st Century has discounts for air bags, automatic seat belts, driver training, teen driver, and good student.
  • The Hartford discounts include bundle, defensive driver, anti-theft, good student, air bag, and driver training.

It’s a good idea to ask each company to give you their best rates. Some discounts might not apply in your state. If you would like to see a list of providers who offer discounts, click here.

Free Auto Insurance Comparison

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What impacts Nissan Altima insurance premiums?

Many different elements are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although others are not as apparent such as your credit history or your financial responsibility.Part of the car insurance buying process is learning the factors that play a part in calculating your premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that could help you find lower car insurance prices.

  • Does your employer cost you more? – Jobs such as military generals, executives and miners are shown to have higher premium rates in part from intense work situations and incredibly demanding work hours. Conversely, careers such as scientists, students and the unemployed have lower than average premiums on Altima insurance.
  • Raising deductibles lowers prices – Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your Nissan. Examples of some claims that would be covered would be a windshield shattered by a rock, hail damage, and windstorm damage. The deductibles you choose represent how much money you are required to spend if you file a covered claim. The higher the amount you choose to pay out-of-pocket, the lower your rates will be on Altima insurance.
  • Do you need those incidental coverages? – Policies have additional extra coverages that can waste your money when buying car insurance. Insurance for personal injury protection, towing coverage, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but your money might be better spent on other coverage so consider taking them off your policy.
  • Don’t cut corners with liability coverage – Liability coverage provides coverage when you are determined to be liable for damages caused by your negligence. It will provide for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Do I need special coverages?

When buying the best insurance coverage coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether your personal situation may require specific advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When do I need to add a new car to my policy?
  • Should I put collision coverage on all my vehicles?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What can I do if my company won’t pay a claim?
  • When would I need rental car insurance?
  • How high should deductibles be on a 2016 Nissan Altima?
  • Why do I only qualify for high-risk insurance?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverages explained

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a deer, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Nissan Altima.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as prosthetic devices, nursing services, X-ray expenses and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability insurance – This coverage will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability can pay for things such as pain and suffering, loss of income and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

A penny earned…

Throughout this article, we presented a lot of information how to lower your 2016 Nissan Altima insurance car insurance rates. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best price on insurance is with an unexpected company.

Drivers leave their current company for a variety of reasons including denial of a claim, questionable increases in premium, policy non-renewal or even being labeled a high risk driver. It doesn’t matter why you want to switch switching companies can be less work than you think.

When searching for the cheapest car insurance quotes, make sure you don’t reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret that it was a big mistake. Your goal is to buy the best coverage you can find for the lowest price.

More tips and info about insurance can be read by following these links:

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Rates by U.S. City

2016 Nissan Altima Insurance Rates by City
City Premium
New York City, NY $2,166
Los Angeles, CA $2,343
Philadelphia, PA $1,834
Jacksonville, FL $1,988
Phoenix, AZ $1,596
Chicago, IL $1,840
Houston, TX $2,148
Seattle, WA $1,336
Columbus, OH $1,145
Indianapolis, IN $1,168

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $5,230
20 $3,188
30 $1,424
40 $1,372
50 $1,254
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

2016 Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,712
$250 $1,552
$500 $1,372
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,372
50/100 $1,460
100/300 $1,571
250/500 $1,858
100 CSL $1,505
300 CSL $1,748
500 CSL $1,925

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $7,454
20 $5,086
30 $3,044
40 $2,986
50 $2,854
60 $2,828

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $89
Paid in Full/EFT $62
Advance Quote $68
Online Quote $97
Total Discounts $585
Rate after discounts $787

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2016 Nissan Altima Insurance Rates by State
State Premium
Alabama $1,240
Alaska $1,052
Arizona $1,140
Arkansas $1,372
California $1,562
Colorado $1,310
Connecticut $1,410
Delaware $1,552
Florida $1,714
Georgia $1,266
Hawaii $984
Idaho $928
Illinois $1,022
Indiana $1,034
Iowa $926
Kansas $1,304
Kentucky $1,872
Louisiana $2,030
Maine $846
Maryland $1,132
Massachusetts $1,098
Michigan $2,382
Minnesota $1,148
Mississippi $1,642
Missouri $1,216
Montana $1,474
Nebraska $1,080
Nevada $1,642
New Hampshire $986
New Jersey $1,534
New Mexico $1,214
New York $1,444
North Carolina $790
North Dakota $1,122
Ohio $946
Oklahoma $1,408
Oregon $1,256
Pennsylvania $1,310
Rhode Island $1,830
South Carolina $1,240
South Dakota $1,158
Tennessee $1,202
Texas $1,652
Utah $1,016
Vermont $940
Virginia $822
Washington $1,060
West Virginia $1,256
Wisconsin $950
Wyoming $1,222

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